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Single Family ResidenceResidential
$295,334$235 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $220,000 on Feb 24, 2020

3909 NATCHEZ TRACE DR

SAINT CLOUD, FL 34769
3
Beds
2
Baths
1,256 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$295K
$279K low$311K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$220,000 · Feb 24, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,990 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$209,927 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$204,011
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$259,900

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.54
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
32
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
74
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOsceola
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1999
Lot (acres)The size of the land the home sits on, from county records.0.17
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Package
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Finished
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 42 ft²

Transaction History(9)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Neptune Elementary SchoolC-
Elementary · Grades KG–5 · 1.0 mi
H
Saint Cloud High SchoolC-
High · Grades 9–12 · 2.1 mi
M
Saint Cloud Middle SchoolB+
Middle · Grades 6–8 · 2.4 mi

District: Osceola County School District

Neighborhood · ZIP 34769These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.150
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.24

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.28,746
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,160 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,606
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,979
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.50 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3909 Natchez Trace Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 75% of homes in Osceola County
  • Costs more per square foot than 81% of homes in Osceola County
  • Smaller than 85% of homes in Osceola County
  • Older than 80% of homes in Osceola County

What homes are worth in Saint Cloud 34769

Each bar is how many homes fall in that price range. The marker is this home.

This home
$145K$506K

This home is worth more than 44% of homes in Saint Cloud 34769.

How it measures up in Saint Cloud 34769

The dot is this home. The mark in the middle is the typical home in Saint Cloud 34769.

Estimated value$295,334
CheaperTypical $304,753Pricier

Pricier than 44% of homes nearby

Price per ft²$235
CheaperTypical $211Pricier

Pricier than 74% of homes nearby

Living area1,256 ft²
SmallerTypical 1,447 ft²Bigger

Bigger than 34% of homes nearby

Lot size0.18 ac
SmallerTypical 0.17 acBigger

Bigger than 51% of homes nearby

Year built1989
OlderTypical 1988Newer

Newer than 54% of homes nearby

How 3909 Natchez Trace Dr ranks against every home in each area.
MeasureThis homeSaint Cloud 34769Osceola County
Estimated valuepricier than$295,33444% of homes25% of homes
Price per ft²pricier than$23574% of homes81% of homes
Living areabigger than1,256 ft²34% of homes15% of homes
Lot sizebigger than0.18 ac51% of homes57% of homes
Year builtnewer than198954% of homes20% of homes

About 3909 Natchez Trace Dr

How much is 3909 Natchez Trace Dr, Saint Cloud, FL worth?

The TopHap Estimate for 3909 Natchez Trace Dr, Saint Cloud, FL is $295,334 as of Aug 30, 2026. The likely range is $279,232 to $311,436. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3909 Natchez Trace Dr, Saint Cloud, FL last sell?

3909 Natchez Trace Dr, Saint Cloud, FL last sold on Feb 24, 2020 for $220,000, according to the county's recorded deed. TopHap holds 6 recorded sales for this parcel.

How big is 3909 Natchez Trace Dr, Saint Cloud, FL?

3909 Natchez Trace Dr, Saint Cloud, FL has 3 bedrooms, 2 bathrooms, 1,256 square feet of living space and a 0.17-acre lot.

When was 3909 Natchez Trace Dr, Saint Cloud, FL built?

3909 Natchez Trace Dr, Saint Cloud, FL was built in 1989, making it 37 years old. The building has 1 story.

What schools serve 3909 Natchez Trace Dr, Saint Cloud, FL?

3909 Natchez Trace Dr, Saint Cloud, FL is assigned to Neptune Elementary School (elementary), rated C-; Saint Cloud High School (high), rated C-; Saint Cloud Middle School (middle), rated B+. All sit in Osceola County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3909 Natchez Trace Dr, Saint Cloud, FL compare to other homes in Saint Cloud 34769?

Among the 9,489 homes in Saint Cloud 34769, it is worth more than 44% of them ($295,334 against a typical $304,753), its price per square foot is higher than 74% of them ($235 against a typical $211), it is bigger than 34% of them (1,256 ft² against a typical 1,447 ft²), its lot is bigger than 51% of them (0.18 ac against a typical 0.17 ac) and it is newer than 54% of them (1989 against a typical 1988). Measured against all of Osceola County, it is worth more than 25% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3909 Natchez Trace Dr, Saint Cloud, FL?

The 2025 property tax bill for 3909 Natchez Trace Dr, Saint Cloud, FL was $2,990. The county assessed it at $209,927.

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